Hello, my name is Thea. I am currently working full time and doing odds and ends on side. So is my husband. Work has been slow we have been cut hours. My credit card debt is ruining us. These cards have been for food, birthdays, Christmas and I have learned a valuable lesson. So much is on my husband, I see the stress in his eyes. We also take care of my mother who is disabled. Alot of work. Appointments, she cant care her herself. Ive seen people do these for much less. I figured why not try. I can't get out of this cycle. Any help. I have got rid of cards but everytime I make a payment the interest rate take 80% of that. Ive never missed a payment. I do not want to claim bankruptcy. Im literally counting change to get by. I figured why not. They say a closed mouth doesnt get fed.

Thank you.

A worried mom, wife, daughter